RBI Ombudsman Complaint Format

To,
The Ombudsman,
Office of the RBI Ombudsman,
[Centre as allotted by the Complaint Management System]

Filed through: Complaint Management System, cms.rbi.org.in

Date: [DD/MM/YYYY]

Subject: Complaint under the Reserve Bank – Integrated Ombudsman Scheme, 2026 against [Bank / NBFC / Payment System Participant Name] – Deficiency in service – Rs. [Amount]

Respected Sir / Madam,

1. PARTICULARS OF THE COMPLAINANT
   Name              : [Your Full Name]
   Address           : [Your Complete Address, City, State – PIN]
   Mobile / Email    : [+91 XXXXXXXXXX] / [your@email.com]

2. PARTICULARS OF THE RESPONDENT
   Name of entity    : [Bank / NBFC / PPI issuer name]
   Branch / Office   : [Branch Name and Address]
   Account / Card No.: [XXXXXXXXXX]

3. NATURE OF THE COMPLAINT
   [State the category — failed transaction not reversed, unauthorised electronic
   transaction, non-adherence to the fair practices code, mis-selling of a third
   party product, levy of charges without notice, non-observance of the RBI
   Turn Around Time framework, or other deficiency in service.]

4. FACTS OF THE CASE
   (a) On [DD/MM/YYYY], [describe the transaction or event, with the amount and
       reference number].
   (b) On [DD/MM/YYYY], I lodged a written complaint with the respondent, which
       was registered as Complaint Ref. No. [XXXX].
   (c) [The respondent did not reply within 30 days / replied on [DD/MM/YYYY]
       rejecting the complaint / replied but the reply is unsatisfactory because
       [reason].]
   (d) The grievance therefore remains unresolved as on the date of this
       complaint.

5. COMPLIANCE WITH THE MAINTAINABILITY CONDITIONS
   (a) A written complaint was made to the respondent on [DD/MM/YYYY].
   (b) The applicable response period has expired — 30 days from that complaint,
       or the longer response period prescribed by the RBI, NPCI or the card
       network for this kind of transaction — or the complaint has been rejected
       in whole or in part, or the reply received is unsatisfactory.
   (c) This complaint is filed within 90 days of the expiry of the applicable
       response period or of the last communication received from the
       respondent, whichever is later.
   (d) The subject matter is not pending before, and has not been decided by, any
       court, tribunal, arbitrator or other forum.
   [Check clauses 10 and 11 of the RB-IOS, 2026 on rbi.org.in.]

6. RELIEF SOUGHT
   (a) Refund / reversal of Rs. [Amount].
   (b) Compensation for the loss of time, expense and mental agony caused, as the
       Ombudsman may consider fit under the Scheme.
   (c) Correction of any adverse credit-bureau reporting arising from the dispute.
   (d) Such further relief as the Ombudsman may deem appropriate.

7. DECLARATION
   I declare that the information furnished above is true and correct to the best
   of my knowledge and belief, that I have not concealed any material fact, and
   that I have not received any relief from any other forum in this matter.

DOCUMENTS ENCLOSED:
1. Copy of the complaint made to the respondent and its acknowledgement
2. Copy of the respondent's reply, if any
3. Bank/card statement showing the disputed entry
4. Transaction receipts, SMS alerts, screenshots
5. Identity and address proof

Yours faithfully,

[Signature]
[Your Full Name]
Mobile: [+91 XXXXXXXXXX]
Email: [your@email.com]
Place: [City]